2215 TONIWOOD LANE, PALM HARBOR, FL, 34685
Active210 days on marketListed Jan 11, 2026MLS #TB8463385
About this home
2215 TONIWOOD LANE
NO HOA! Custom-Built Pool Home on Large Corner Lot in Tarpon Woods/Ridgemoor Area, a rare find—custom 4BR, 2.5BA, 2CG pool home. Live surrounded by nature with regular deer visits while being minutes to beaches, shopping, dining & airport. Meticulously maintained by long-term owners with major updates: HVAC & ductwork (2024), water heater (2024), knockdown ceilings (2025), Fibertech pool (2024), roof overlay (2023). Open layout features volume ceilings, luxury vinyl plank (no carpet), abundant storage, skylights, & custom closets. The chef’s kitchen boasts solid wood cabinetry with soft-close feature, custom pull-outs, stone counters, huge bar seating for six, induction cooktop, built-in dual ovens & pass-through to lanai. Primary suite offers nature views, remodeled ensuite bath, dual sink vanity, skylight & custom closet. Family room features fireplace, powered shades & sliders to outdoor living. Enjoy a sparkling screened pool & spacious lanai with plenty of dining & lounging space. A true retreat with modern updates, privacy, and no HOA!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,760
Sqft
0.39 ac
Lot size
2
Garage
1981
Year built
One
Levels
$239
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$4,274 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,274/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−8.5%
$/sqft vs Palm Harbor actives
$239 vs $262
Days on market
210 vs 48 typical
Where $239/sqft sits among the 400 Palm Harbor actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Tarpon Woods
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Tarpon Woods — neighborhood snapshot
Population
2,471
Median age
48
Median income
$78,417
Median home value
$451,267
Avg household
2
Households w/ children
293
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Harbor market
$420K → $445K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
225 of 400
Palm Harbor actives have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 76% above the PALM HARBOR 34685 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 2215 TONIWOOD LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$713,000
3285 TARPON WOODS BOULEVARD · same community
5 bd · 3 ba · 2,660 sqft · $268/sqft · 55 DOM
Sold · Aug ’26$770,000
2245 TONIWOOD LANE · same community
4 bd · 3.5 ba · 2,979 sqft · $258/sqft · 53 DOM
Sold · Apr ’26$692,500
2513 JENNIFER TERRACE · same community
4 bd · 3 ba · 2,486 sqft · $279/sqft · 4 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2215 TONIWOOD LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2215 TONIWOOD LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
2215 TONIWOOD LANE FAQs
What would the monthly payment be for 2215 TONIWOOD LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,274/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 2215 TONIWOOD LANE?+
The most recent tax bill on record (2024) was $3,661. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2215 TONIWOOD LANE?+
The listing reports pets: Breed Restrictions, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Harbor?+
At $660,000, this home is listed about 74% above the Palm Harbor median of $379,990. The market section on this page shows how the area is trending.
Which schools are assigned to 2215 TONIWOOD LANE?+
Cypress Woods Elementary School (elementary), East Lake High School (high), Joseph L. Carwise Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$660,000 runs 76% above the PALM HARBOR 34685 median — but at 2,760 sqft it's also nearly twice the size of the typical Palm Harbor listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
210 days on market against a Palm Harbor median of 48 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Cypress Woods Elementary School, East Lake High School, Joseph L. Carwise Middle School — Cypress Woods Elementary School rates 5 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $735,000, now $660,000 — a $75K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BOUTIQUE REALTY FLORIDA · Jamie Klingman. MLS #TB8463385.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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